I often get asked, "What do you call your husband at home?"
Obviously, I call him by his first name, Steve. But at church, or when talking to church members and others who only know him as a pastor, I always refer to him as "Pastor Anderson." Even when directly addressing him, I avoid calling him by his first name when others can hear. We have been in the ministry long enough to know that people who are too chummy with the pastor quickly become disrespectful and treat him as a buddy, not an elder as the Bible admonishes. This attitude then spreads like a wildfire.
I would no more talk about "Steve" to another church member than I would call him that to the kids when speaking about their dad, as in: "Please take this to Dad," and not "Give this to Steve". Married couples who refer to the other parent by their first name to the kids show great disregard for the that parent's status of being an authority figure to the children, and not their co-equal. It is a passive aggressive way to show disrespect, and one the kids are certain to pick up on and perpetuate. These couples always have troubled marriages because they fail to appropriately honor the other out of a false sense of pride. A good wife who is interested in seeing her husband honored and succeeding will always strive to build him up in the estimation of others, and should never intentionally try to "take him down a notch", especially so publicly or to the children.
In much the same manner, those who are legitimately on a first-name basis with the pastor but refuse to address him with his title of honor to those who only know him as that, do so out of pride, as well as a show-boating of the fact that they are in the pastor's inner circle. It doesn't get any closer than being married to the pastor, but I don't feel the need to rub that in to give myself more clout.
I am thankful that when my husband first expressed his desire to be a pastor someday to our pastor at that time, the pastor's wife impressed the importance of this concept on me. In turn, I have tried to teach this to the wives of pastors we have sent out. My husband and I are both on a first-name basis with several pastors, but only ever address them as "Pastor so-and-so" publicly.
On my blog, which is read both by people who know him as Pastor Anderson as well as personal friends and family who know him as Steve, I avoid having to choose either by only ever referring to him as "my husband" which is neither awkward nor disrespectful.
The words we use reveal much about ourselves and issues we struggle with, such as humility and showing honor to whom honor is due.